Medicare Advantage Plans in Orleans County, NY:
Your Complete 2026 Guide
For 2026, residents of Orleans County, NY can choose from 35 Medicare Advantage plan options. Of these, 16 cost nothing beyond the Part B premium. Enrollment in the County stands at approximately 3,277, with 69% of plans achieving 4 stars or better. This page and its statistics exclude Special Needs Plans (SNPs). See Medicare Special Needs Plans available in Orleans County, NY.
Last update: . Enrollment data last updated: October 13, 2025
* CMS rates Medicare Advantage plans annually using a 5-star system. Data sources
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. While using out-of-network doctors or hospitals usually means higher costs, PPOs may appeal to people who want more flexibility in how they access their healthcare.
- Total PPO Plans
- 13
- Average Premium
- $84.46/mo
- Beneficiaries Enrolled
- 301
- $0 Premium PPOs
- 4
- Average MOOP
- $7,869
- Most Popular PPO
- AARP Medicare Advantage from UHC NY-0019 (PPO) with 175 enrollees
- PPOs Without Drug Coverage
- 3
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. |
|---|---|---|---|---|
| Aetna Medicare Eagle Giveback | $0 | $9,250 | N/A | |
| Aetna Medicare Elite | $84 | $9,250 | $615 | |
| Aetna Medicare Enhanced | $131 | $9,250 | $615 | |
| Forever Blue 751 | $210 | $6,700 | $615 | |
| Forever Blue Value | $152 | $6,700 | $615 | |
| Freedom Valor | $0 | $6,700 | N/A | |
| Independent Health's Medicare Passport Connect | $59 | $9,250 | $615 | |
| AARP Medicare Advantage from UHC NY-0019 | $38 | $8,500 | $600 | |
| MVP Medicare WellSelect with Part D | $160 | $9,250 | $615 | |
| Univera SeniorChoice Core | $232 | $4,000 | $615 | |
| Humana USAA Honor Giveback | $0 | $4,950 | N/A | |
| HumanaChoice Giveback H5970-030 | $0 | $9,250 | $615 | |
| HumanaChoice H5970-029 | $32 | $9,250 | $615 |
- What is the average monthly premium for PPO plans in Orleans?
- On average, PPO plans in Orleans cost $84.46 per month.
- Which PPO plan has the highest enrollment in Orleans?
- The most popular PPO in Orleans is AARP Medicare Advantage from UHC NY-0019 (PPO), covering 175 beneficiaries.
- How many PPO plans in Orleans do not include prescription drug coverage?
- 3 PPO plans available in Orleans do not include Part D benefits.
Medicare Advantage HMO Plans
HMO plans are designed around a set network of doctors and hospitals. Staying within that network is usually required for coverage, but this arrangement often results in lower overall costs, including both premiums and out-of-pocket expenses, for plan members.
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. |
|---|---|---|---|---|
| Independent Health's Encompass 65 | $0 | $6,750 | N/A | |
| Independent Health's Encompass 65 RED 042 | $40 | $9,250 | $250 | |
| Independent Health's Encompass 65 RED 043 | $190 | $7,000 | $50 | |
| Independent Health's Encompass 65 RED 044 | $95 | $7,500 | $150 | |
| Community Blue Medicare HMO Distinct | $59 | $6,750 | $615 | |
| Community Blue Medicare HMO Merit | $0 | $8,300 | $615 | |
| Community Blue Medicare HMO Signature | $0 | $6,750 | $615 | |
| Senior Blue 601 | $0 | $6,700 | N/A | |
| Senior Blue 651 | $97 | $6,700 | $615 | |
| Univera SeniorChoice Basic | $0 | $8,500 | $615 | |
| Univera SeniorChoice Extra | $0 | $8,500 | $615 |
What is the total number of HMO plans offered in Orleans?
There are 11 HMO plans in 2026, covering 747 beneficiaries.
How much do HMO plans cost on average in Orleans?
The average HMO premium is $43.73, with 6 costing $0.
What is the top HMO by enrollment in Orleans?
Univera SeniorChoice Basic (HMO) is the most popular HMO plan in Orleans, with 485 enrollees.
What is the number of HMO plans without Part D coverage in Orleans?
2 HMO plans in Orleans do not include prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, but they also permit some use of out-of-network doctors and hospitals. Those services are generally more expensive, but the added access can be valuable for people who don’t want to be fully limited to a single network.
- Total HMO-POS Plans
- 11
- Average Premium
- $42.30/mo
- Beneficiaries Enrolled
- 2,229
- $0 Premium HMO-POS
- 6
- Average MOOP
- $7,405
- Most Popular HMO-POS
- AARP Medicare Advantage from UHC NY-0007 (HMO-POS) with 1,650 enrollees
- HMO-POS Without Drug Coverage
- 4
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. |
|---|---|---|---|---|
| MVP Medicare Preferred Gold with Part D | $229 | $6,800 | $300 | |
| MVP Medicare Preferred Gold without Part D | $0 | $7,200 | N/A | |
| Univera Medicare Freedom | $0 | $4,500 | N/A | |
| Univera SeniorChoice Advanced | $51 | $7,500 | $300 | |
| Univera SeniorChoice Secure | $83 | $6,000 | $250 | |
| Univera SeniorChoice Value Plus | $70 | $6,700 | $295 | |
| AARP Medicare Advantage from UHC NY-0007 | $0 | $8,300 | $440 | |
| AARP Medicare Advantage Patriot No Rx NY-MA3 | $0 | $6,700 | N/A | |
| Wellcare Fidelis Assist | $33 | $9,250 | $615 | |
| Wellcare Fidelis Patriot Simple | $0 | $9,250 | N/A | |
| Wellcare Fidelis Simple | $0 | $9,250 | $615 |
What is the average monthly premium for HMO-POS plans?
On average, HMO-POS plans in Orleans cost $42.30 per month.
Which HMO-POS plan is most popular in Orleans?
The leading HMO-POS in Orleans is AARP Medicare Advantage from UHC NY-0007 (HMO-POS), with 1,650 members.
How many HMO-POS plans in Orleans do not include drug coverage?
There are 4 HMO-POS plans in Orleans without Part D benefits.
The table below shows the quality ratings for Medicare Advantage plans offered in Orleans County, NY for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | 4 | 11% |
| 4 Stars (includes 5 Stars) | 24 | 69% |
| 3 Stars | 11 | 31% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.97 | |
Medicare Advantage comes with strict enrollment windows. By knowing when and how to sign up, you’ll avoid missed deadlines and keep your healthcare coverage aligned with your needs.
Key Medicare Enrollment Periods
- Initial Enrollment Period (IEP): This seven-month window starts three months before the month you turn 65 and ends three months after. It’s the first time you can sign up for Medicare and, if you choose, a Medicare Advantage plan. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Each year from January 1 through March 31, you may change to another Medicare Advantage plan or drop your plan and return to Original Medicare. Learn more
- Annual Enrollment Period (AEP): This yearly window, running October 15 to December 7, gives you the opportunity to join, switch, or drop Medicare Advantage and Part D plans. Learn more
- Special Enrollment Periods (SEPs): Outside the standard enrollment dates, you may qualify for a Special Enrollment Period if specific circumstances apply, including relocation or coverage loss. Learn more
Enrollment Options Explained
- Talk with a Licensed Agent: Licensed agents at HealthCompare can explain your Medicare Advantage choices. Reach them at 1-833-748-3201 (TTY 711), Monday–Friday 5am–6pm and Saturday 6am–5pm PST.
- Contact the Plan Provider Directly: Enrollment can also be completed by calling the plan provider’s customer service line or visiting their official website.
- Use Medicare.gov: The official Medicare website, Medicare.gov, lets you review available plans and complete enrollment online.
The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Lyndonville, Medina, Albion, Holley, Kendall, Kent, Waterport, and all other areas of Orleans County, New York.
Plans Offered for Enrollment through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, HealthSpring℠, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint
CMS Plan IDs Presented
The Medicare Advantage plan pages listed in the tables above include localization to assist beneficiaries with plans available in their service area. However, most Part C plans are available in more than one service area, which can lead to confusion. The following list of CMS IDs links to our master plan pages without localization.
- CMS.gov, Landscape Source Files — Last accessed September 26, 2025
- CMS.gov, Medicare Part C & D Performance — Last accessed October 10, 2025
- CMS.gov, Plan Benefits Package — Last accessed October 13, 2025
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Last accessed October 13, 2025
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Landscape file, Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data. Enrollment counts and rankings (such as Top 3 plans by enrollment) are derived from CMS monthly enrollment files and aggregated at the county level.
Medicare.org separates Medicare Advantage (MA/MAPD) plans and Special Needs Plans (SNPs) into different pages for clarity. As a result, plan counts, percentages, and other calculations shown here may differ from the aggregate totals published in the CMS Landscape files. All plan availability and benefit details originate from CMS.
Learn more about how we use CMS data.
- Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Compare Original Medicare & Medicare Advantage" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025
Medicare.org is owned and operated by Health Network Group, LLC, an Allstate company. Medicare.org provides information only and is not connected with or endorsed by the U.S. Government or the federal Medicare program.
Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard.
Page content managed by David Bynon, Medicare Analyst.